Running and growing a small business takes more than hard work—it takes access to affordable, flexible capital. Unfortunately, too many small business owners believe traditional loans are their only option and overlook one of the most powerful financing tools available: SBA loans.
At Colony Bank, we specialize in helping entrepreneurs like you unlock the advantages of SBA lending so you can achieve your business goals faster—and with fewer roadblocks.
What is an SBA Loan?
SBA loans are backed by the U.S. Small Business Administration, meaning they’re partially guaranteed by the government. This reduces risk for lenders like Colony Bank and opens up financing opportunities for business owners who may not qualify for traditional loans.
Think of SBA loans as business-friendly financing—with better terms, lower down payments, and more flexibility than conventional loans.
Why Choose SBA Lending?
Here’s why SBA loans are a smart option for many small business owners:
1. Lower Down Payments
Start or expand your business without tying up valuable cash. SBA loans often require as little as 10% down.
2. Longer Repayment Terms
Spread payments out over longer periods—up to 10 years for working capital and 25 years for real estate—which helps keep monthly costs manageable.
3. Competitive Interest Rates
Thanks to the government guarantee, SBA loans typically offer lower interest rates than many alternative business loan options.
4. Flexible Use of Funds
You can use SBA loans for:
- Purchasing or refinancing commercial real estate
- Expanding or acquiring a business
- Buying equipment or inventory
- Working capital and cash flow support
5. Easier Qualification Process
Even if you’re a newer business or lack collateral, SBA loans can offer more accessible financing than traditional options.
SBA Lending, The Colony Way
While SBA loans are known for their benefits, the process can seem intimidating—but that’s where our Small Business Specialty Lending Team makes a real difference.
At Colony Bank:
- We guide you through every step of the SBA process.
- We help determine which SBA product—7(a), 504, or others—best fits your goals.
- We provide local decision-making with personalized service from experienced business bankers who know your market.
Your growth shouldn’t be limited by paperwork or red tape. With Colony Bank, you get faster answers, personalized terms, and a team that’s invested in your success.
Ready to Grow Smarter?
Your business deserves more than just a loan—it deserves a partner. Let Colony Bank show you how SBA financing can fuel your next big move.
Learn more and connect with us today: https://colony.bank/business/lending/small-business/
